Citizens Bank of Kentucky, Inc. - Nationwide Branches

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Branch	Address	View Lobby Hours
Winchester Branch	695 Bullion Boulevard, Winchester, KY 40391	View Lobby Hours
Louisa Branch	3651 Us Hwy 2565, Louisa, KY 41230	View Lobby Hours
Allen Branch	6474 Kentucky 1428, Allen, KY 41601	View Lobby Hours
Mayo Shopping Plaza Branch	333 Kentucky 321, Paintsville, KY 41240	View Lobby Hours
Salyersville Branch	Route 114 East Mountain Parkway, Salyersville, KY 41465	View Lobby Hours
Mcdowell Branch	9674 Kentucky 122, Mc Dowell, KY 41647	View Lobby Hours
Ashland Branch	735 Central Avenue, Ashland, KY 41101	View Lobby Hours
Citizens Bank Of Kentucky, Inc.	620 Broadway Avenue, Paintsville, KY 41240	View Lobby Hours
Centerpointe Branch	50 Franklin Corner, Prestonsburg, KY 41653	View Lobby Hours
Weddington Plaza Branch	4367 North Mayo Trail, Pikeville, KY 41501	View Lobby Hours
Russell Road Branch	320 Russell Road, Russell, KY 41169	View Lobby Hours
Pikeville Branch	247 Hambley Blvd., Pikeville, KY 41501	View Lobby Hours
Grayson Branch	167 South Carol Malone Blvd., Grayson, KY 41143	View Lobby Hours

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Featured - 30 Year Fixed Mortgage Rates 2025

Lender	APR	Rate (%)	Monthly Payment	Learn More
NMLS ID: 1835285	6.470%	6.375% 0.50 points $3,203 fees	$1,997	Learn More
NMLS ID: 2262032 License#: RM.804810.000	6.482%	6.375% 0.63 points $3,600 fees	$1,997	Learn More
NMLS ID: 2578474	6.611%	6.500% 0.88 points $3,690 fees	$2,023	Learn More
NMLS ID: 1661781	6.614%	6.500% 0.88 points $3,973 fees	$2,023	Learn More

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Featured - Home Equity Line Of Credit Rates 2025

Lender	APR (%)^?	Monthly Payment^?	Learn More
Third Federal Savings and Loan See Table	Intro APR 6.990 % After Intro: 6.990 %	$0	Learn More More Info
Conditions… Variable APR of Prime minus 1.01% in all states. Min loan amount $10,000. Max loan amount $200,000. 30-year term. Annual fee waived for the first year. See conditions for guarantee at thirdfederal.com. Third Federal rate are typically 20% lower than other leaders Guaranteed Lowest Rate No closing costs, prepayment penalties, or minimum draw requirements 10 year draw period
Achieve Loans See Table	Intro APR 10.625 % After Intro: 10.625 %	$0	Learn More More Info
Home Equity loans are available through our affiliate Achieve Loans (NMLS ID #1810501), Equal Housing Lender. All loan requests are subject to eligibility requirements, application review, loan amount, loan term, and lender approval. Product terms are subject to change at any time. Offers are a line of credit. Loans are not available to residents of all states and available loan terms/fees may vary by state where offered. Line amounts are between $15,000 and $300,000 and are assigned based on product type, debt-to-income ratio, and combined loan-to-value ratio. Minimum 640 credit score applies for debt consolidation requests, minimum 700 applies for cash out requests. Other terms, conditions and restrictions apply. Fixed rate APRs range from 8.75% - 15.00% and are assigned based on underwriting requirements; offer APRs include a .50% discount for automatic payment enrollment (autopay enrollment is not a condition of loan approval). Example: average HELOC is $57,150 with an APR of 12.75% and estimated monthly payment of $951 for a 15-year loan. 10, 15, 20, and 30-year terms available (20 and 30 year terms only available for cash out requests). All terms have a 5-year draw period with the remaining term being a no draw period. Payments are fully amortized during each period and determined on the outstanding principal balance each month. Closing fees range from $750 to $6,685, depending on line amount and state law requirements and typically include origination (3.5% of line amount) and underwriting ($725) fees if allowed by law. Property must be owner-occupied and combined loan-to-value ratio may not exceed 80%, including the new loan request. Property insurance is required and flood insurance may be required if the subject property is located in a flood zone. You must pledge your home as collateral. Contact Achieve Loans for further details. Competitive rates, Pre-qualify in minutes Mortgage Advisors standing by to help find the best solution Flexible terms with fast funding Minimum credit score: 640

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